Fake insurance claim?

Jamrock · Nitrous Nuisance Joined: 25 Oct 2008 Karma :

Anyone have any experience with this?

Before anyone asks this is just an option at the moment as I have no money and an NSR that's left ruined after I hit a deer. I need transport but can't take a loan out and a friend mentioned this option, hence coming here for advice. I know this is highly illegal!

I currently have third party only insurance, it's being renewed at the end of this month. Obviously I hit a deer so the insurance company isn't going to pay for it, no chance in hell.
If I was to change my insurance at the end of the month to a Third party fire and theft policy then dump the bike in a field somewhere with the steering lock broken, all the wiring tampered with and the locks broken. What do I do then? Phone up the insurance and claim my bike is stolen? Phone up the police as well I'm guessing?

I never thought I'd sink to doing something like this but I urgently need transport and if anyone has had any success with this I'm curious. If I have the balls to do it or not is another thing entirely.

BenR · World Chat Champion Joined: 23 Jun 2008 Karma :

You are unlikely to get away with such measures & if found out face prison...in short (sorry to be blunt) but don't be stupid!! Rolling Eyes

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Current bikes: suzuki RG125UN wolf. Yamaha MT-07

swiftb · World Chat Champion Joined: 20 Oct 2008 Karma :

The Artist · Super Spammer Joined: 06 Jan 2008 Karma :

you are asking on a public forum whether you should commit fraud or not?

um no.....i dont think so

Jamrock · Nitrous Nuisance Joined: 25 Oct 2008 Karma :

Thanks guys, just the replies I needed to convince me it was a stupid passing thought in the first place! Thumbs Up

Looks like it's modding 360s to earn money for a month then get myself a nice CG125 Very Happy

BenR · World Chat Champion Joined: 23 Jun 2008 Karma :

Why don't you just repair the NSR? Confused

& get proper insurance next time. Thumbs Up

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Current bikes: suzuki RG125UN wolf. Yamaha MT-07

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

Find someone with an insured shit bike and let him wrap it up into yours or get someone to nick it, it's far too hard to steal your own motorbike and get away with it.
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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

Paivi · World Chat Champion Joined: 30 Sep 2005 Karma :

You wouldn't get away with it for the simple reason that enough of your mates know about your accident already, and one of them would say something to the coppers or to another mate or parent.
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My other bike's a Monster... Wink

Jamrock · Nitrous Nuisance Joined: 25 Oct 2008 Karma :

lllN30lll · World Chat Champion Joined: 12 Jun 2005 Karma :

Dear BCF

I'm thinking about murdering my wife, but what should I do with the body?
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Turbo R1
CRF450R

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Lets see...
Wasting police time
Perverting the course of justice
Defrauding the insurance company....

To name but 3 charges....

And all could come about from a innocent comment from a neighbour, when asked if they had seen or heard anything. And say who would nick a bike that had not been used for a month after he hit a deer......

Never mind the fact that you would struggle to ever get insurance again......

All for the sake of a few hundred quid.....

This is one reason why when taking out insurance you have to factor in, can you afford to replace the bike.
If the answer is no, then its FC only.
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Just because my bike was A DIVVY, does not mean i am......

Faldo · World Chat Champion Joined: 05 Aug 2007 Karma :

waffles · World Chat Champion Joined: 04 Oct 2009 Karma :

I dont think anyone has pointed out that once you get out of prison for fraud, your insurance company would have cancelled your insurance for you. When they do that it becomes very difficult for you to get cover if other companies see that you have had your previous policy invalidated for fraud.

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

Coxyzxr · Brolly Dolly Joined: 22 May 2008 Karma :

For a start changing policy then claiming within 3 to 4 weeks(depending on insurers measures) of a new policy or policy change automatically flags as suspicious which is then looked into greater depth by a human being who works on the claims handling and fraud dept of the said insurance company. (I used to do this).

I'd give further reasons why it's easy to get caught but frankly every reason I could detail about this also gives you opportunity and information about preventing said measures.

It's not nice, it pushes up premium for everyone(yourself included) and tbh It gives us a bad name.

If you are going to do it, do it it's your life and you've probably already made your mind up, but don't come onto a public(bike) forum asking if you should and detailing about it, it just makes you look silly and imature.
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**WAS FITTED "WRONG WAY ROUND" !** CANT ACCOUNT FOR THE STUPID !

cyclops12 · Traffic Copper Joined: 13 Jan 2008 Karma :

Thanks im a police officer , just getting your ip address Razz

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hayabusa trike

Jamrock · Nitrous Nuisance Joined: 25 Oct 2008 Karma :

Can't believe how touchy people are getting. I asked for information, which is what these public forums are for! I already said that I wasn't going to do it and just needed the reassurance that it was a stupid idea, contary to my friend who thought it was as simple as pushing it up the road and setting it on fire.

Thanks to everyone who gave helpful info, gave you all the karma you deserved! Thumbs Up

MaybeGuy · Super Spammer Joined: 12 Mar 2007 Karma :

leave it in the street in a shit area. Its only a matter of time.
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!! Mr. Green

Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

cyclops12 · Traffic Copper Joined: 13 Jan 2008 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

the bend coming out of the engine, the downpipe bit?
https://www.halfords.com/webapp/wcs/stores/servlet/product_storeId_10001_catalogId_10151_productId_164997_langId_-1_categoryId_165625 and the gun gum bandages work wonders for a bit until you can save for a new downpipe
or you could weld it up?

city fly's are slow, heavy and very high seat position...i hate it Razz

BenR · World Chat Champion Joined: 23 Jun 2008 Karma :

T0MMY · World Chat Champion Joined: 08 Jun 2008 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Mystery · World Chat Champion Joined: 23 Jul 2009 Karma :

just street fighter it and it will probs cost you more in insurance than to fix it anyway
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Carbon knuckles assure you maximum protect against debris and unfortunate accidents or if someone cuts you off, their side mirror.Mopeds are like chubby chicks.. they are really fun to ride until you're friends catch you on one